Welcome to the American Express Q4 2024 earnings call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session. [Operator instructions] As a reminder,

Intuitive Surgical (NASDAQ: ISRG) Q4 2024 Earnings Call Jan 23, 2025, 4:30 p.m. ET Good day, and thank you for standing by. Welcome to the Q4 2024 Intuitive earnings conference call. At this time, all participants are in a listen-only mode. Please be advised that today's conference is being recorded.

Good afternoon, and welcome to the Netflix Q4 2024 earnings interview. I'm Spencer Wang, vice president of finance, IR, and corporate development. Joining me today are co-CEOs, Ted Sarandos and Greg Peters; and CFO, Spence Neumann. As a reminder, we will be making forward-looking statements, and actual results may vary.

Operator: Thank you for standing by. My name is Joel, and I will be your conference operator today. At this time, I would like to welcome everyone to the West Bancorporation, Inc.

Operator Good morning, ladies and gentlemen, and welcome to the Q4 2024 Live Oak Bancshares earnings call. [Operator instructions] This call is being recorded on Thursday, January 23rd, 2025. I would now like to turn the conference over to Claire Parker,